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<br />Ramsey County | Multi-Jurisdiction Hazard Mitigation Plan 55 <br /> <br /> <br />3.8.7 VULNERABILITY ASSESSMENT <br />3.8.7.1 People <br />Flash floods and river flooding can lead to injury or loss of life. In urban areas, rapidly rising water levels <br />can trap residents in their homes, vehicles, or other spaces, often in immediate danger and requiring <br />rescue. The poorest residents suffer disproportionately to flood situations, especially those who have <br />been less able to fund homeowner’s insurance to protect against flood losses. Mental health issues are <br />experienced by people who have experience flood losses, including anxiety, fear, anger, anger, sadness <br />and grief. <br />3.8.7.2 Property <br />Homes and businesses in low-lying areas and in flood-prone areas are at significant risk of flooding and <br />damage. It is common for these structures to suffer structural damage, water in lower levels, and loss of <br />personal property. Facilities in these areas can also see declines in property values and increased <br />insurance costs. <br />Hazus runs from the 2019 plan estimate the number of households that are expected to be displaced <br />from their homes due to the flood and the associated potential evacuation. Hazus also estimates those <br />displaced people that may require accommodations in temporary public shelters. The model estimates <br />2,015 households may be displaced due to the flood. Displacement includes households evacuated from <br />within or very near to the inundated area. Of these, the model estimates 342 people (out of a total <br />population of 508,640) may seek temporary shelter in public shelters. <br />Repetitive loss properties are defined as properties that have had 2 or more flood insurance claims of <br />$1,000 or more in any rolling 10-year period. Property owners are asked to consider mitigation activities <br />such as acquisition, relocation, or elevation, among other options. FEMA’s Repetitive Loss (RL) <br />properties strategy is to eliminate or reduce the damage to property and the disruption to life caused by <br />repeated flooding of the same properties. Property owners are notified of their status by FEMA. <br />There are two repetitive loss properties in Ramsey County, both located in the City of Saint Paul. Four <br />losses have been recorded between the two properties, with an average payment of $10,610. None are <br />classified as “Severe Repetitive Loss” (SRL). An SRL property is defined as a residential property that is <br />covered under an NFIP flood insurance policy and: <br />• That has at least 4 NFIP claim payments (including building and contents) over $5,000 each, and <br />the cumulative amount of such claims payments exceeds $20,000; or <br />• For which at least 2 separate claims payments (building payments only) have been made with <br />the cumulative amount of the building portion of such claims exceeding the market value of the <br />building. <br />• For both (a) and (b) above, at least 2 of the referenced claims must have occurred within any 10- <br />year period and must be greater than 10 days apart.